Overdraft Solutions
Doing the Right Thing!
S&T Bank announces elimination of non-sufficient funds fees.
Questions on Fees?
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Making People our Purpose
S&T is pleased to introduce S&T $10 CushionTM, a new overdraft assistance benefit. If a customer’s account is overdrawn by $10 or less after nightly processing, an overdraft fee will not be charged.
“This is an important moment,” stated Jason Forman, director of consumer banking. “Eliminating NSF fees on consumer and business deposit accounts is just another way we are helping our customers strengthen their financial wellness. S&T $10 Cushion is evidence of our commitment to help our customers and provides an additional solution for overdraft assistance.”
What is the difference between an Overdraft Fee and a Return Item (NSF) fee?
Overdraft Fee
A bank can charge an Overdraft Fee when your account does not have enough money to cover a transaction, but the bank pays the transaction on your behalf. When this occurs, the money must be repaid no later than 30 calendar days after the creation of the overdraft.
S&T charges a $36 Overdraft Fee for each transaction that overdraws your account by more than $10 during our nightly processing.
• Personal accounts – A maximum of five overdraft fees may be charged per business day.
• Business accounts – There is no cap on overdraft fees that may be charged per business day.
Return Item (NSF) Fee
A bank can charge a Return Item (NSF) fee when your account does not have enough money to cover a transaction and the bank does not pay that transaction on your behalf. When the dollar amount of the transaction exceeds your available account balance and the bank does not pay the transaction on your behalf, it “bounces”, meaning the transaction is returned to the originating financial institution without that money being taken out of your account. This can result in a Return Item (NSF) Fee.
S&T will no longer charge a Return Item (NSF) Fee for a transaction that is returned unpaid. View our fee schedule.
S&T $10 Cushion
If your account is overdrawn by $10 or less after nightly processing, S&T Bank will not charge you an Overdraft Fee.
S&T Overdraft Privilege
If your account has Overdraft Privilege and is overdrawn by less than or equal to your account’s Overdraft Privilege amount after nightly processing, we will pay presented transactions and may charge an Overdraft Fee for each transaction that overdraws your account by more than $10, up to a maximum of five overdraft fees per business day for personal accounts. There is no cap on overdraft fees that may be charged per business day for business accounts. For questions regarding your account’s Overdraft Privilege amount and status, please speak to an S&T banker or contact the Solution Center at 800.325.2265.
How Can I Avoid Overdraft Fees?
S&T makes it easy to access your account information.
Online Banking
Connect to your accounts online 24/7 with online banking. Manage your financial information, check balances, make transfers, setup alerts and more.
Mobile Banking
Mobile banking provides all the features of online banking securely and conveniently on your mobile device.
Alerts
Establish security, balance and transaction alerts in online banking. Email and text alerts notify you of low balances, unauthorized transactions and more.
Link your accounts.
A qualified* S&T savings account, money market or line of credit, can be linked to your checking account to be used to cover transactions when there is not enough money in your account. So, if you have enough money in your savings account or available on your line of credit to cover a transaction that overdraws your account, we’ll transfer enough to cover it on your behalf. For questions regarding linking accounts, please speak to a banker or contact the Solution Center at 800.325.2265.
S&T will no longer charge a Transfer Fee on consumer accounts when money is moved from your savings account or line of credit to cover transactions that overdraw your account. We have also eliminated the Overdraft Protection Line of Credit Annual Fee and the Overdraft Protection Savings Quarterly Fee.
An overdraft occurs when your account does not have enough money to cover a transaction, but the bank pays the transaction on your behalf.
If your account is overdrawn by $10 or less after nightly processing, S&T Bank will not charge you an Overdraft Fee.
5 for personal accounts and uncapped for business account’s.
S&T charges a $36 overdraft fee for each transaction that overdraws your account by more than $10 during nightly processing.
You can link any qualified* savings, money market or line of credit to your checking account for overdraft protection.
Our partnership in your finances is very important to us. If you have additional questions or would like to discuss your options for avoiding overdraft fees, please do not hesitate to visit a branch or call our Solution Center at 800.325.2265.
No. S&T does not charge a fee for a transaction that is returned unpaid.
Yes. You may link any qualified* savings, money market or line of credit to your checking account for overdraft protection.
No, there are no fees to transfer money for overdraft protection.
Questions can be answered by calling our Solution Center at 800.325.2265 or by viewing our fee schedule.
Find the Service You Need
Personal Savings
Savings Solutions
We have personal savings options that can be linked for overdraft protection. Learn more and apply today.
Personal Line of Credit
For the Unexpected
Use as overdraft protection with your S&T checking account. Learn more and apply today.
Customer Service
Solution Center
Get connected with the help you need by phone, email or live chat.
*Power of Attorney (POA), In Trust For (ITF) or beneficiary accounts may not be linked.